Property and Liability Package Policies

Property and Liability Package Policies

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General Liability also known as “commercial Liability insurance” is a broad commercial insurance policy that covers general liability exposures of business.

Do you know what is covered by your Business Liability protection or, better yet, what is excluded? Have you reviewed your policy for limitations to determine if important coverage or endorsements need to be added? It costs just pennies a day to protect your business. Don’t wait until you have a loss to find what coverages you should have purchased!

Some Coverages to Consider

  • Personal Injury
  • Fire Legal Liability
  • Umbrella Liability
  • Professional Liability Insurance (Errors & Omissions)
  • Employment Practices Liability Insurance (EPLI)
  • Directors and Officers Insurance (D&O)

Allow the insurance professionals at Fuller Insurance Agency to provide your most important investment with unparalleled protection. You deserve peace of mind in the comfort of your own home.

Business Owners Policy

Unforseen events such as a major fire, natural disaster, lawsuit, theft, or even computer/cyber crime can cause a business to shut its doors for a day, a week or in some cases forever, and in doing so they run the risk of losing valued clients. Don’t wait for disaster to hit or a loss to occur to find out that your insurance protection is inadequate. Planning for the unexpected is key when owning and operating a business. A Business Owners Policy can provide you with the coverage you need to maintain the well-being of your company in the event of a loss.

Are you a small, mid-size or large operating business? Insurance is one of the most important assets that any business whether small, medium or large needs. Depending on the type of business you are operating, it could include a number of different types of insurance coverages.

How about coverage for your business property, business interruption or a lawsuit? Let’s be honest! In today’s economic environment Business Owners are especially vulnerable to lawsuits. A lawsuit brought against a business could potentially threaten the continued operation of the business as well as the owner’s financial well being. Liability Insurance can help provide resources to defend claims brought against you and your business.

Four types of Business Liability Insurance to consider:

  • General Liability provides protection for lawsuits that small business will typically encounter
  • Professional Liability insurance is essential in the service industry
  • Product Liability insurance in manufacturing
  • Employment Practices Liability is essential for any business owner with one or more employees

Important Coverages to Consider:

  • Disaster Recovery
  • Business Auto & Non-Owned Auto Liability
  • Business Personal Property and Inventory
  • Contents & Inventory
  • EPLI – Employment Practices Liability
  • Business Interruption
  • Commercial Umbrella
  • Loss of Business Income
  • Workers Compensation
  • Mechanical Breakdown
  • Business Personal Property
  • Cyber Liability & Web Coverage
  • Tenant Improvements
  • Building Ordinance Coverage
  • Money & Securities
  • Employee Dishonesty
  • Professional Liability
  • Spoilage

Example Target Classes of Business Owners Policies We Write:

  • Restaurants
  • Accountants
  • Florists
  • Lawyers
  • Printers
  • Wholesalers
  • Metal Shops
  • Retail Centers
  • Motels
  • Distributors